CN109472573B - Self-service red packet form payment system and method based on mobile phone app - Google Patents
Self-service red packet form payment system and method based on mobile phone app Download PDFInfo
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- CN109472573B CN109472573B CN201811395178.5A CN201811395178A CN109472573B CN 109472573 B CN109472573 B CN 109472573B CN 201811395178 A CN201811395178 A CN 201811395178A CN 109472573 B CN109472573 B CN 109472573B
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
- G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
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Abstract
The invention discloses a self-service red packet form payment system based on mobile phone app, which comprises a payment request unit, a payment processing unit and a payment processing unit, wherein the payment request unit is used for sending payment request information; a payment execution unit for executing payment operation; the communication unit is used for establishing communication connection between the payment request unit and the payment execution unit; the identity authentication unit is used for carrying out identity authentication on the payment request unit; a payment information encryption unit for encrypting the encryption information executed by the payment execution unit; and the payment link dynamic maintaining unit is used for dynamically maintaining the payment link between the payment request unit and the payment execution unit. The invention can improve the defects of the prior art and improve the safety of the payment process.
Description
Technical Field
The invention relates to the technical field of quick payment, in particular to a payment system and a payment method based on a mobile app self-service red envelope form.
Background
With the development of electronic commerce, quick payments are being accepted by more and more people. The safety problem of the quick payment is the core problem of the whole payment process, and how to ensure the safety of the payment information in the quick payment process becomes the research focus in the field.
Disclosure of Invention
The invention aims to provide a payment system and a payment method based on a mobile app self-service red envelope form, which can overcome the defects of the prior art and improve the safety of the payment process.
In order to solve the technical problems, the technical scheme adopted by the invention is as follows.
A self-service red packet form payment system based on mobile phone apps comprises:
the payment request unit is used for sending payment request information;
a payment execution unit for executing payment operation;
the communication unit is used for establishing communication connection between the payment request unit and the payment execution unit;
the identity authentication unit is used for carrying out identity authentication on the payment request unit;
a payment information encryption unit for encrypting the encryption information executed by the payment execution unit;
and the payment link dynamic maintaining unit is used for dynamically maintaining the payment link between the payment request unit and the payment execution unit.
A payment method of the mobile app-based self-service red envelope form payment system comprises the following steps:
A. the payment request unit sends payment request information which is transmitted to the payment execution unit through the communication unit;
B. the payment execution unit sends the received payment request information to the identity authentication unit for identity authentication, if the identity authentication fails, the payment process is ended, and if the identity authentication succeeds, the step C is carried out;
C. the payment execution unit automatically generates a payment red packet according to the payment information;
D. the payment information encryption unit encrypts the payment red packet and sends the encrypted payment red packet and the key to the payment request unit through the payment link dynamic holding unit;
E. the payment request unit decrypts the payment red packet through the secret key to complete the payment process.
Preferably, in the step B, the identity authentication includes the following steps:
b1, extracting the transmission path address of the payment request information;
b2, sending test information according to the reverse direction of the transmission path, wherein the test information comprises an address record field, a data change record field, an access record field and a data packet field;
b3, comparing the test information transmitted in the reverse direction with the original test information, if a new address appears in the address record field or an illegal change record appears in the data change record field or an illegal access record appears in the access record field, judging that the identity authentication fails, otherwise, judging that the identity authentication succeeds.
Preferably, the step D of encrypting the paid red packet comprises the following steps:
d11, decomposing the test information which is acquired in the step B3 and transmitted in the reverse direction, and calculating a feature matrix of data of an address record field, a data change record field and an access record field;
d12, normalizing the three feature matrixes in the step D11, and then taking the feature matrix of the data in the data packet field as a reference matrix to perform linear transformation on the three normalized feature matrixes to make the three normalized feature matrixes similar to the reference matrix;
d13, taking the characteristic value of the similar matrix as the key of the encryption function, and carrying out encryption operation on the payment red packet.
Preferably, in step D, the transmission process of the pay link dynamic holding unit includes the following steps:
d21, the dynamic holding unit of paying link gets two addresses in the communication link at random, distribute to paying information encryption unit and paying request unit, as the communication connection address;
d22, the dynamic holding unit of paid link gets an address in the used safe address at random, as the monitoring interface of the dynamic holding unit of paid link to the communication connection, monitor the communication process;
d23, transmitting the encrypted paid red packet through the communication connection established in the step D21;
d24, if the transmission is successful, storing the two used addresses into the safe address database, randomly deleting the data in the safe address database, and keeping the data volume of the safe address database constant;
d25, repeating the steps D21-D24, and transmitting the key.
Adopt the beneficial effect that above-mentioned technical scheme brought to lie in: the invention improves the safety of the whole payment process by carrying out identity authentication and payment encryption. The identity authentication is carried out in a reverse test mode, and the safety test can be carried out on the whole transmission process of the payment information. The encryption process of the paid red packet is established on the basis of identity authentication, and a key of an encryption function is generated by using a feature matrix generated by reverse test, so that secondary encryption of the encryption process is realized by using the generation process of the key, and the encryption effect is improved. The encrypted information is transmitted through a special payment link dynamic holding unit so as to improve the security of the encrypted information in the transmission process.
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FIG. 1 is a schematic diagram of one embodiment of the present invention.
In the figure: 1. a payment request unit; 2. a payment execution unit; 3. a communication unit; 4. an identity authentication unit; 5. a payment information encryption unit; 6. the pay link dynamically maintains the units.
Detailed Description
Referring to fig. 1, one embodiment of the present invention includes:
a payment request unit 1 for sending payment request information;
a payment execution unit 2 for executing payment operation;
a communication unit 3 for establishing communication connection between the payment request unit 1 and the payment execution unit 2;
the identity authentication unit 4 is used for performing identity authentication on the payment request unit 1;
a payment information encryption unit 5 for encrypting the encryption information executed by the payment execution unit 2;
and a payment link dynamic holding unit 6 for dynamically holding the payment link between the payment request unit 1 and the payment execution unit 2.
A payment method of the mobile app-based self-service red envelope form payment system comprises the following steps:
A. the payment request unit 1 sends payment request information, and the payment request information is transmitted to the payment execution unit 2 through the communication unit;
B. the payment execution unit 2 sends the received payment request information to the identity authentication unit 4 for identity authentication, if the identity authentication fails, the payment process is ended, and if the identity authentication succeeds, the step C is carried out;
C. the payment execution unit 2 automatically generates a payment red packet according to the payment information;
D. the payment information encryption unit 5 encrypts the payment red packet and sends the encrypted payment red packet and the key to the payment request unit 1 through the payment link dynamic holding unit 6;
E. the payment request unit 1 decrypts the payment red packet through the secret key to complete the payment process.
In the step B, the identity authentication comprises the following steps:
b1, extracting the transmission path address of the payment request information;
b2, sending test information according to the reverse direction of the transmission path, wherein the test information comprises an address record field, a data change record field, an access record field and a data packet field;
b3, comparing the test information transmitted in the reverse direction with the original test information, if a new address appears in the address record field or an illegal change record appears in the data change record field or an illegal access record appears in the access record field, judging that the identity authentication fails, otherwise, judging that the identity authentication succeeds.
In the step D, the step of encrypting the paid red packet comprises the following steps:
d11, decomposing the test information which is acquired in the step B3 and transmitted in the reverse direction, and calculating a feature matrix of data of an address record field, a data change record field and an access record field;
d12, normalizing the three feature matrixes in the step D11, and then taking the feature matrix of the data in the data packet field as a reference matrix to perform linear transformation on the three normalized feature matrixes to make the three normalized feature matrixes similar to the reference matrix;
d13, taking the characteristic value of the similar matrix as the key of the encryption function, and carrying out encryption operation on the payment red packet.
In step D, the transmission process of the pay link dynamic holding unit (6) comprises the following steps:
d21, the payment link dynamic holding unit (6) randomly acquires two addresses in the communication link, and distributes the two addresses to the payment information encryption unit (5) and the payment request unit (1) as communication connection addresses;
d22, the dynamic paying link keeping unit (6) randomly obtains an address from the used safe address, and the address is used as a monitoring interface of the dynamic paying link keeping unit (6) for communication connection to monitor the communication process;
d23, transmitting the encrypted paid red packet through the communication connection established in the step D21;
d24, if the transmission is successful, storing the two used addresses into the safe address database, randomly deleting the data in the safe address database, and keeping the data volume of the safe address database constant;
d25, repeating the steps D21-D24, and transmitting the key.
In step D21, the obtained address is encrypted, the communication address is decrypted through the monitoring interface in step D22, then a data communication comparison message is obtained by performing analog communication on the communication address, and the actual communication process is compared with the comparison message, so that the communication process is monitored.
In the description of the present invention, it is to be understood that the terms "longitudinal", "lateral", "upper", "lower", "front", "rear", "left", "right", "vertical", "horizontal", "top", "bottom", "inner", "outer", and the like, indicate orientations or positional relationships based on those shown in the drawings, are merely for convenience of description of the present invention, and do not indicate or imply that the referenced devices or elements must have a particular orientation, be constructed and operated in a particular orientation, and thus, are not to be construed as limiting the present invention.
The foregoing shows and describes the general principles and broad features of the present invention and advantages thereof. It will be understood by those skilled in the art that the present invention is not limited to the embodiments described above, which are described in the specification and illustrated only to illustrate the principle of the present invention, but that various changes and modifications may be made therein without departing from the spirit and scope of the present invention, which fall within the scope of the invention as claimed. The scope of the invention is defined by the appended claims and equivalents thereof.
Claims (2)
1. A payment method based on a mobile app self-service red envelope form payment system comprises the following steps:
a payment request unit (1) for issuing payment request information;
a payment execution unit (2) for executing a payment operation;
a communication unit (3) for establishing a communication connection between the payment request unit (1) and the payment execution unit (2);
the identity authentication unit (4) is used for performing identity authentication on the payment request unit (1);
a payment information encryption unit (5) for encrypting the encryption information executed by the payment execution unit (2);
a payment link dynamic holding unit (6) for dynamically holding a payment link between the payment request unit (1) and the payment execution unit (2);
the method is characterized by comprising the following steps:
A. the payment request unit (1) sends payment request information, and the payment request information is transmitted to the payment execution unit (2) through the communication unit;
B. the payment execution unit (2) sends the received payment request information to the identity authentication unit (4) for identity authentication, if the identity authentication fails, the payment process is ended, and if the identity authentication succeeds, the step C is carried out;
performing the identity authentication comprises the following steps,
b1, extracting the transmission path address of the payment request information;
b2, sending test information according to the reverse direction of the transmission path, wherein the test information comprises an address record field, a data change record field, an access record field and a data packet field;
b3, comparing the test information transmitted in the reverse direction with the original test information, if a new address appears in the address record field or an illegal change record appears in the data change record field or an illegal access record appears in the access record field, judging that the identity authentication fails, otherwise, judging that the identity authentication succeeds;
C. the payment execution unit (2) automatically generates a payment red packet according to the payment information;
D. the payment information encryption unit (5) encrypts the payment red packet and sends the encrypted payment red packet and the key to the payment request unit (1) through the payment link dynamic holding unit (6);
encrypting the paid red envelope includes the steps of,
d11, decomposing the test information which is acquired in the step B3 and transmitted in the reverse direction, and calculating a feature matrix of data of an address record field, a data change record field and an access record field;
d12, normalizing the three feature matrixes in the step D11, and then taking the feature matrix of the data in the data packet field as a reference matrix to perform linear transformation on the three normalized feature matrixes to make the three normalized feature matrixes similar to the reference matrix;
d13, taking the characteristic value of the similar matrix as the key of the encryption function, and carrying out encryption operation on the payment packet;
E. the payment request unit (1) decrypts the payment red packet through the secret key to complete the payment process.
2. The payment method of the mobile app self-service red envelope form payment system according to claim 1, wherein: in step D, the transmission process of the pay link dynamic retention unit (6) comprises the following steps,
d21, the payment link dynamic holding unit (6) randomly acquires two addresses in the communication link, and distributes the two addresses to the payment information encryption unit (5) and the payment request unit (1) as communication connection addresses;
d22, the dynamic paying link keeping unit (6) randomly obtains an address from the used safe address, and the address is used as a monitoring interface of the dynamic paying link keeping unit (6) for communication connection to monitor the communication process;
d23, transmitting the encrypted paid red packet through the communication connection established in the step D21;
d24, if the transmission is successful, storing the two used addresses into the safe address database, randomly deleting the data in the safe address database, and keeping the data volume of the safe address database constant;
d25, repeating the steps D21-D24, and transmitting the key.
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| CN201811395178.5A CN109472573B (en) | 2018-11-22 | 2018-11-22 | Self-service red packet form payment system and method based on mobile phone app |
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| EP2056518A1 (en) * | 2002-04-17 | 2009-05-06 | Visa International Service Association | Mobile account authentication service |
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